Embedded Banking Officer

Bravera is hiring for an Embedded Banking Officer in Bismarck, ND or Dickinson, ND. Bravera is an employee- and director-owned company that is committed to helping our employees forge a new path in their career. We work together to drive continuous improvement which enhances the customers experience and keeps our organization moving forward.

The Embedded Banking Officer coordinates the day-to-day administration, governance, and oversight of Bravera’s embedded banking program. This position connects internal business, operations, technology, finance, risk, compliance, BSA/AML, fraud, information security, legal, and audit stakeholders to support controlled program implementation and ongoing operations. The officer facilitates partner onboarding, committee reporting, issue escalation, regulatory readiness, and continuous improvement while ensuring responsibilities remain clearly assigned to the appropriate Bravera Embedded Banking owners.

• Provide timely, accurate coordination with fintech partners, and internal control owners, with clear ownership, due dates, and documented resolution of open items.
• Maintain effective governance routines, management reporting, committee materials, decision records, and escalation processes for the embedded banking program.
• Support successful implementation and ongoing operation of approved fintech programs through disciplined due diligence, onboarding, testing, readiness validation, and post-launch monitoring.
• Demonstrate and promote Bravera’s culture through prompt, efficient, collaborative, and courteous service to internal and external stakeholders.

• Administer the embedded banking governance cadence, including preparation of meeting agendas, status reports, risk and issue summaries, decision logs, action-item tracking, and committee materials.
• Serve as Bravera’s primary business liaison for embedded banking implementation, operations, governance, partner oversight, and relationship management.
• Coordinate cross-functional activities among Bravera, fintech partners, and external advisors, ensuring decisions, dependencies, deliverables, and follow-up items are documented and assigned.
• Coordinate partner pipeline reviews and support Bravera’s evaluation, due diligence, approval, contracting, onboarding, launch-readiness, and post-implementation review processes.
• Maintain the program inventory, responsibility matrices, contact and escalation lists, key contractual obligations, approval records, policies, procedures, and supporting evidence.
• Monitor fintech partner service performance against contractual requirements, service levels, reporting obligations, audit commitments, and remediation plans; elevate exceptions to accountable Bravera owners.
• Facilitate operational readiness across account opening, transaction processing, settlement, reconciliation, card management, disputes, complaints, fraud operations, customer support, and financial reporting without replacing the accountability of the designated process owners.
• Coordinate with Compliance, BSA/AML, Fraud, Information Security, Third-Party Risk, Operations, Finance, Legal, Internal Audit, and business owners to support ongoing monitoring and timely completion of required reviews.
• Assist with regulatory examination and audit readiness by organizing program documentation, evidence, responses, issue tracking, and management reporting in coordination with the responsible subject-matter experts.
• Coordinate incident, complaint and service-disruption communications; confirm that matters are documented, escalated, and tracked under applicable procedures.
• Analyze program reporting, operational trends, partner performance, deposit and transaction activity,…